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All Journal Ekopedia: Jurnal Ilmiah Ekonomi
Hanipah, Tiara Pracilia
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Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan, Perilaku Pembelian Impulsif, dan Gaya Hidup Terhadap Penggunaan Shopee Paylater pada Mahasiswa Universitas Bengkulu (Gen Z) Zara, Mey; Hanipah, Tiara Pracilia; Gustitantira, Aura Tryana; Junita, Seli Pia; Noverita, Anggi; Alifa Irawan, Cantika
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/a8a0nz94

Abstract

The use of PayLater as a payment method can influence people’s lifestyles, particularly among Generation Z (1997–2012), who are familiar with technology. Although most of them do not yet have an income, Gen Z shows a high tendency to shop using PayLater, but often faces difficulties in managing their bills. Previous studies have examined the influence of financial literacy, impulsive behavior, and lifestyle on PayLater usage; however, they have not discussed its impact on hedonistic lifestyles that do not align with budgets. The advancement of financial technology, ease of access, fast registration processes, and various e-commerce promotions have further increased the use of PayLater among students. Therefore, this study aims to re-examine the influence of financial literacy, impulsive behavior, and lifestyle on PayLater usage among Gen Z at the University of Bengkulu, involving 100 respondents, It was found that financial literacy has a negative effect, while impulsive buying behavior and lifestyle have a positive effect on the use of Shopee PayLater among Generation Z at the University of Bengkulu.
Co-Authors Alifa Irawan, Cantika Gustitantira, Aura Tryana Junita, Seli Pia Noverita, Anggi Zara, Mey